Contractors need to pay closer attention to the exclusions and coverage forms in their General Liability policies. For example when utilizing independent & sub-contractors Hold Harmless agreements and written insurance requirements may be required, otherwise your coverage will not apply for their work on your behalf. All General liability insurance policies have exclusions of coverage (ie. no condo work, jobs on 14 or more residential units, commercial vs residential limitations, etc.). Review and understand both yours and your sub-contractors general liability exclusions listed in your policy declaration pages. Depending on your general liability carrier, you may be able to "buy back" an exclusions from your insurance company, Thus obtaining coverage for a particular job without having to change policies. Your agent can explain the exclusions and how they may effect your business.
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